3 months ago
Remote, United StatesMid Level
H1B sponsor
Base Salary
$142k - $197k/yr
Responsibilities
- Design, build, and maintain scalable backend services for automated verification workflows, financial data integrations, and approval decisioning.
- Develop distributed systems, service-to-service APIs, and event-driven services for reusable verification capabilities across lending products.
- Build financial data connection and lifecycle-management platform capabilities that reduce operational overhead.
- Integrate data, decisioning logic, and machine learning models into production systems with correctness and auditability.
- Improve reliability through automated testing, monitoring, observability, and operational practices.
- Contribute to platform architecture, engineering standards, and shared infrastructure.
Requirements
- Bachelor’s degree in Computer Science, Engineering, Mathematics, or a related field, or equivalent practical experience.
- At least 3 years of professional software engineering experience.
- At least 3 years of backend application development experience using Kotlin, Java, or another object-oriented programming language.
- Experience designing, building, and operating distributed systems with service-to-service APIs and event-driven architectures.
- Experience building and maintaining scalable backend services for business-critical or financial data in production.
- Experience contributing to decision engines that integrate with machine learning models.
- Experience writing production-quality code supported by automated testing, monitoring, and observability.
- Preferred: knowledge of financial services, lending, fraud prevention, identity verification, or other risk-sensitive systems.
- Preferred: experience integrating third-party financial data providers such as Plaid.
- Preferred: experience with rule engines, workflow orchestration platforms, automated decisioning systems, or reusable platform services.
- Preferred: knowledge of integrating, monitoring, and evaluating machine learning models in production.
Benefits
- Remote work in the United States, with most teams meeting in person once or twice per quarter for 2–4 consecutive days.
- Competitive base pay, bonus opportunities, and annual equity grants.
- 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually.
- Employee Stock Purchase Plan for eligible US employees.
- Medical, dental, vision, wellness resources, and Health Savings Account contributions for eligible US plans.
- Life insurance, disability coverage, paid time off, sick leave, and company holidays.
- Paid family and parental leave plus fertility, parenthood, and caregiving benefits.
- Employee Assistance Program and financial wellness resources.
- Annual wellness and productivity allowances.
- Team events, company updates, employee resource groups, and office perks including catered lunches and stocked micro-kitchens.
About Upstart
Upstart builds an AI-powered lending marketplace and cloud software that connect consumers to banks and credit unions for personal, auto, and home-equity credit. Lenders use Upstart’s credit models and applications to automate originations, while Upstart earns platform and referral fees. Founded in 2012 and headquartered in San Mateo, California, Upstart is a public company listed on NASDAQ under the ticker UPST.